Mortgage Origination: A Three-Hour Session – ON-DEMAND WEBINARS


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Recorded: April 21, 2022

Presented by: Ms Anetria Cohen, Vice President and Senior Consultant, FORVIS

A three-hour remote session to review the origination of a mortgage loan. Everything from application to closing!

Originating a mortgage loan is perhaps one of the most difficult processes among all lending products from a compliance standpoint, particularly with all of the changes due to the 2008 financial crisis and the resulting Dodd-Frank Act. Lenders must comply with a number of provisions under different regulations, which can be confusing and overwhelming.

This remote session will provide a high-level overview of federal lending compliance requirements, presented from the time of application to closing, and will differentiate between those rules that require us to provide disclosures and those that require certain analysis. The webinar will provide a refresher for those who are familiar to lending compliance, and an excellent introduction for those new to the lending area.


This webinar will include the origination requirements for closed-end mortgage loans under ECOA/Regulation B, FCRA, TILA/Regulation Z, RESPA/Regulation X, Privacy, Flood Insurance, PMI, and Sales of Insurance. Among other rules, this webinar. will include the following topics: What HELOCs are and their limitations;

  • Applications:
    • Definition of Application under ECOA/TILA; and
    • Government Monitoring Information under ECOA/HMDA.
  • At Application Requirements: ARM Disclosures; Privacy Notice; and Insurance Notice.
  • Permissible Purpose/Credit Report.
  • Disclosures Required Three Business Days After Application, Including the Loan Estimate.
  • Determinations: Ability to Repay; Higher-Priced Mortgage Loan; and High-Cost Mortgage; Flood.
  • Disclosures/Notification Required Before Closing, Including Notification, Appraisal and Flood.
  • Closing Disclosure.
  • Other Obligations At/After Closing: Right of Rescission; PMI Notice; and Escrow Account Statement.
Who Should Listen

This webinar will be of value to anyone involved in the origination of mortgage loans, including compliance officers, audit personnel, those involved in operations, and lending officers.

Program Level: Basic to Intermediate

Prerequisite/Advanced Preparation: Basic Knowledge of Lending Regulations

Field of Study: Specialized Knowledge

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Any recording, transmission, retransmission, or republishing of any portion of this webinar is prohibited.

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